| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | P.O BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $49K | $5K | $54K | 7.09% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | P.O BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.57% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | P.O BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $53K | $2K | $55K | 11.22% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | P.O BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 0.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | P.O BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $40K | $1K | $42K | 12.80% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | P.O BOX 956012 ST. LOUIS, MO 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-MINNEAPOLIS | 8200 TOWER STE 1100 5600 W 83RD ST. MINNEAPOLIS, MN 554371024 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 5,064 | $296K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,064 | $760K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,142 | $491K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,083 | $326K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,064 | $760K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,064 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.